Once an identity thief gains access to your personal information, the effects can range from annoying to life-altering. For example, the thief could damage your reputation by posting inappropriate content or even committing crimes in your name. They could make purchases, loans, or other transactions in your name, for which you could be held financially responsible. Unpaid bills could damage your credit rating, making it difficult for you to get a home, rental, auto, or college loan. If a background check reveals debts, crimes, or inappropriate web content posted by a thief, you could be turned down for a job. If your medical identity is stolen, you could even be denied medical services.